Commercial & Ag Underwriter

Join our dynamic underwriting team, where you'll partner with Business Banking Relationship Managers to assess credit risk, support client strategies, and drive new business opportunities.  If you thrive in financial analysis and risk assessment, this role offers the opportunity to manage loan portfolios, conduct due diligence, and play a key role in credit decision-making. Be part of a collaborative team that values proactive communication, strong analytical skills, and a commitment to maintaining high-quality loan portfolios while ensuring compliance with banking regulations.

Underwriting and Portfolio Management 

• Partner with multiple Business Banking Relationship Managers (BRM) to identify credit risk and quality of the portfolio, discuss client strategy and business opportunities.
• Act as a liaison between the Commercial Production staff, Credit Risk Department and other internal staff members as necessary.
• Regular and proactive communication with Business Banking Relationship Manager to ensure updated financials, covenant compliance, knowledge of client’s business and assist in identifying new business cross-sell opportunities.
• Proactively manage and facilitate the renewal of all credits under assigned BRM(s) at least 60 days prior to renewal.
• Interpret and evaluate credit bureau reports, UCC filings and public record information.
• Prepare loan credit presentations and participate in the loan approval process.
• Prepare commitment letters or review as needed.
• Prepare Loan File for documentation team via post approval due diligence.
• Work with third party individuals as needed such as evaluation/appraisal orders and environmental due diligence.
• Regular meetings with BRM, Administrative Assistants and Loan Production to discuss priorities and status of renewal and new business pipeline.

Financial and Credit Analysis

• Provide accurate financial analysis, due diligence and risk assessment of new and existing borrowers; recommend loan structure and discuss loan policy.
• Responsible for credit risk and quality of the loan portfolio.
• Responsible for identifying trends in client activities which may be predictive of deteriorating credit quality. Recommend further action to BRM and Credit Risk officer as necessary.
• Work with BRM with collection of financials needed for proper analysis of new and renewed loan requests.

Adhere to all Bank Security/Compliance Regulations

• Complete all annual bank security and compliance training.
• Adhere to Bank Security/compliance and policy guidelines for commercial production and/or loan area
• Maintain confidentiality of customer information at all times.
• Stay current on all compliance regulations

Other Responsibilities

• Maintain neat and accurate commercial files
• Perform other duties as assigned or requested

• Associates degree in Finance, Accounting, Business and/or similar field of education and/or three (3) years previous work experience in a lending environment
• Solid understanding of financial statements including but not limited to tax returns, profit & loss statements, income statements, balance sheets, and other business financials
• Well-developed interpersonal and communication skills (verbal & written) in order to communicate and relate effectively with customers and associates
• Good accounting/math skills with the ability to work precisely with numbers and financial calculations
• Strong attention to detail with the ability to work efficiently & accurately
• Demonstrated ability in exercising independent judgment
• Strong organizational skills, including the ability to prioritize and remain calm while working in a fast paced/deadline driven environment
• Good working knowledge of Microsoft Office Suite, proficient typing/keyboarding skills and the ability and willingness to learn new programs and software
• Ability to maintain confidential customer information
• Ability to read, write, understand and speak English clearly
• Ability to represent the organization in a professional, positive manner

Preferred Qualifications:

• Bachelor’s degree in Accounting or Finance
• Previous experience in credit analysis or commercial underwriting within a financial institution
• Previous work experience in accounting and / or working with business financial statements

This position is a full time position with hours of 8am – 5pm Monday-Friday with the flexibility.

Lake Ridge Bank values a diverse workforce and is an Affirmative Action/Equal Opportunity Employer. Minorities, Females, Veterans, and Individuals with Disabilities encouraged to apply.

Consistent with Lake Ridge Bank’s commitment to employ and advance qualified individuals with disabilities, Lake Ridge Bank provides reasonable accommodation to apply for or perform a job. Some examples of reasonable accommodation include alternate methods to apply, providing documents in an alternate format, altering work procedures, specialized equipment or use of an interpreter. If an individual needs reasonable accommodations to apply or perform a job here at Lake Ridge Bank, please contact Human Resources at (608) 849-2700 or email us.